Hi - I had a settlement stipulation in 2005 for an old medical bill from 1999 for just under $3k. Monthly payments (more than the minimum) were made and really made a dent in the balance owed until I missed a payment. Interest was added to the balance due and although I was so close to "satisfying" I had to start from the top. Lesson learned. Last payment was made 3.5 years ago and with what I believe to be the last payment due. 3.5 years pass and out of the blue, I'm hit with a notice that "after a client audit we realized you failed to satisfy". Total due is back over $3k and before I could get the documentation from the bank (former customer) I'm hit with a garnishment! Unfair and sleazy doesn't even begin to cover this one. Options? Much appreciated!Thank you all for responding! Per the stipulation, no interest accruing while making payments. I've made 36+ payments between 6/05 - 1/09 of no less than $100 per month. If owed anything, it was under $500 and was held for 3.5 years. I am considering filing (BK) because I have had enough. Trying to do the right thing but people won't let you.